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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,385 | $87,544-39.0% | $75,784-29.6% | $125,388-57.4% |
| Participation rate | 82.4% | 80.2%+2.2pp | 75.8%+6.5pp | 83.2%-0.8pp |
| Annual return | -0.64% | 13.49%-14.1pp | 9.68%-10.3pp | 282.24%-282.9pp |
| Employer contribution / active EE | $520 | $3,930-86.8% | $3,323-84.4% | $4,866-89.3% |
| Participant deferral / active EE | $2,707 | $4,229-36.0% | $3,652-25.9% | $5,352-49.4% |
| Admin fee / account holder | $2,532 | $6,502-61.1% | $5,300-52.2% | $9,541-73.5% |